MTHFR Changes: Thoughts?

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I'm curious: what do you all think about MTHFR variants?

 

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I've gotten advice from three perspectives: that my family must carry a mutation, that mutations don't really matter, and that mutations wouldn't really matter unless I'm homozygous. Because I'm spending money on supplements and doctors right now, I've not yet done any gene testing. However, I'm trying out various supplements, including ones that might help if an MTHFR mutation does turn out to be a major part of my problem.